There are many, each designed to fit different financial situations and goals.

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Conventional Loans

Conventional mortgages are not insured by a government agency. They typically offer competitive rates for borrowers with strong credit and stable income. Mortgage insurance may be required with less than a 20% down payment, but it can be removed once sufficient equity is reached.

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Jumbo Loans

Jumbo loans are used for loan amounts that exceed the current conforming loan limits. These programs often require higher credit scores, larger down payments, lower DTI, and reserves due to the increased lending risk.

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FHA Loans

Backed by the Federal Housing Administration, FHA loans allow for a lower down payment and more flexible credit requirements. Often mistaken as a "first time" home buyer program, they are utilized by  broad section of first and repeat buyers. Another misconception is that FHA mortgages are for borrower with credit challenges. Not so! Many with stellar credit chose FHA. 

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VA Loans

We owe a great deal to our veterans and active duty members. They have earned the right to receive great mortgage terms. Available to eligible veterans, active-duty service members, and some surviving spouses, VA loans offer the ability to purchase with no down payment and no monthly mortgage insurance, and other preferred terms.

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USDA Loans

USDA loans provide no-down-payment financing for qualifying rural and suburban homebuyers. Income limits and property location requirements apply.

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Renovation Loans

Renovation loans allow borrowers to finance the purchase or refinance of a home along with the cost of repairs or improvements in a single mortgage. 

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Non-QM / Alternative Documentation Loans

Non-QM (non-qualified mortgage) programs are available for borrowers who may not meet traditional documentation standards, such as self-employed borrowers using bank statements to verify income.

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Investment and DSCR Loans

Debt-Service-Coverage-Ratio (DSCR) mortgages are designed for real estate investors and qualify primarily on the cash flow of the property rather than the borrower’s personal income.

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Construction and Construction-to-Permanent Loans

These loans are used to build a new home or significantly remodel an existing one. Construction-to-permanent options allow financing to convert to a long-term mortgage after completion.

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Interest-Only Loans

Interest-only programs provide a period during which the borrower pays only interest, resulting in a lower initial payment. Payments increase once principal repayment begins.

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Reverse Mortgages

Available for qualifying homeowners age 62 or older, reverse mortgages allow a portion of home equity to be accessed without monthly mortgage payments, subject to ongoing requirements.

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Home Equity Loans and HELOCs

Home equity products allow borrowers to use a portion of their equity for other purposes such as debt consolidation, home improvements, or major expenses. Home equity loans offer a fixed rate and lump sum, while HELOCs provide a revolving credit line, typically with a variable rate.